@Pikaboo-icu wrote:Op-
Can you give us the facts without the emotion.
Perhaps we can help you.
Nearest I can tell is you're saying you have a no limit charge card and it's being reported as a limit of: $28002. on all three CBs?
Its likely reporting the highest balance you reached on the card.
It should not affect your score as the utilized credit limit amount is not considered in your uti of your credit card limits.
If you can clarify with some facts, we might be able to direct you better.
Thanks
+1
@Anonymous, first off welcome to the forums. It is expected behavior that the highest reported balance will always show for Amex charge cards. If this is a charge card with No preset Spending Limit (Green, Gold, Platinum, or variants thereof), modern credit scoring models do not take the balances into account for utilization. Where are you getting the scores? Vantage Scores such as those from Credit Karma will always be sensitive to things that FICO models actually used by almost lenders ignore or treat differently. Can you give us some more information like which card this is, how long the card has been opened, etc?
If you could type any replies in paragraphs with punctuation, it would certainly help us to read and to help you. Everyone else, please remember to keep this FSR.
@OUT-Disputed;
First, you need to tell us where you’re getting your scores from. CRAs also offer Vantage scores which pretty much mean squat in the credit and banking world!
And No, FICO wouldn’t penalize you for having a high balance on an NPSL or charge card unless you have no other revolving accounts (3 revolving accts is needed for score optimization) showing on your report. There are also other various factors in the FICO algorithm that affect your scores. I suggest you read up on FICO scoring to have a much better grasp of it. Lastly, it will help a lot of the myFICO world heavy hitters give you a better advice if you can provide us some more Data Points in relation to your credit concerns, i.e., your number of revolving accts, Average age of Accts, Total Revolving Credit Limit, Utilization (aggregate), Derogatory accts (if any), Inquiries, etc...
Lastly, Welcome to the myFICO community! Sit back, relax a bit and I promise you, you’ll get all your answers here in no time!
First, you need to tell us where you’re getting your scores from. CRAs also offer Vantage scores which pretty much mean squat in the credit and banking world!
And No, FICO wouldn’t penalize you for having a high balance on an NPSL or charge card unless you have no other revolving accounts (3 revolving accts is needed for score optimization) showing on your report. There are also other various factors in the FICO algorithm that affect your scores. I suggest you read up on FICO scoring to have a much better grasp of it. Lastly, it will help a lot of the myFICO world heavy hitters give you a better advice if you can provide us some more Data Points in relation to your credit concerns, i.e., your number of revolving accts, Average age of Accts, Total Revolving Credit Limit, Utilization (aggregate), Derogatory accts (if any), Inquiries, etc...
Lastly, Welcome to the myFICO community! Sit back, relax a bit and I promise you, you’ll get all your answers here in no time!
i tried to stay out of this but something's not adding up.
OP, you and your husband attempted to buy a condo, and you couldn't get a loan but you never looked into your/his credit then? You had an account reporting 51% utilization for years and no one ever noticed?
If what you're saying is accurate then your dispute is not with the credit reporting agencies; its with American Express and your husband. How do I say this nicely...maybe he has an "authorized user" you don't know about 
Op, there is a lot going on here. To be honest, with the numerous tries that you have had trying to get this resolved to a way that is satisfying to you, it would appear that there is something in this process that you are misunderstanding, and that is why every effort you are making to challenge the sitaution is not working.
But that is okay. We all have times when we need to understand things better. What I would suggest is that if you are uncomfortable with how the Charge cards function and report, maybe consider closing them and try to stick with regular unsecured cards in the future. Then, you can eliminate this from being a headache for you. Also, be careful with how you dispute with the bureaus, and be sure you have all of your info lined up and it is worth a dispute. Understand that from the Bureau's end, they may look at these multiple disputes as abuse.
Other thoughts....always keep up with your credit reports. You stated more or less that the expense to buy a condo caught you off guard, then you figured out why later, and you believed it was due to what was happening on the credit reports. Keeping up with each account monthly and how the info is reported will help keep anything from catching you off guard. Also, any scores that you are using, make sure they are Fico scores. You mentioned following up on a bunch of scores offered by different lenders or accounts you have. Many of those scores could be Vantage 3.0 scores, which are rarely if ever, used by any lender to make credit decisions.
Last, I know you started this whole thing off as a warning to others. Thank you for trying to be helpful. The info you gave can be a learning experience from different angles. And you are right - No matter how much money you have, that does not matter to the Bureau's and they will treat everyone the same.
I'm trying to follow this, but having a hard time. But it seems to me the OP thinks this is a problem with utilization. That is an easy fix with the millions in the bank. Just pay the card down to 0 or close to it before the statement cuts. Any hit from utilization will go away immediately.
OP, you mention the ND on the payments, that is no data so it's not helping or hurting your score. I'm wondering if there is something else hurting the score here that has nothing to do with utilization.
